Get More From Routine Purchases With AU Altura Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

10 Apr 26
4 mins

Shreyansh Singh

08 Mins
10-04-26

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Table of Contents

AU Altura Credit Card Benefits
Railway Lounge Access Details and Services
AU Altura Credit Card Fees and Charges

Earn 2% cashback on grocery and utility expenses.
Earn ₹50 bonus cashback on a monthly spend of ₹10,000.
Enjoy 8 complimentary railway lounge visits every year.
Cash withdrawal limit available up to 40% of the credit limit.
The annual fee is waived on yearly spending of ₹40,000.

The AU Altura Credit Card offers simple cashback benefits on everyday spending. You earn 2% cashback on grocery, departmental store, and utility bill payments, and 1% on other retail spends.

Certain categories like fuel, rent, wallet, education, and government payments are excluded. The card comes with a joining and annual fee of ₹199+GST. You can also get up to 3 AU Altura Credit Card lifetime free add-on cards per account.

Want to explore more useful features of the AU Altura Credit Card that add everyday value? Keep reading!

AU Altura Credit Card Benefits

Begin your journey by earning an extra ₹50 cashback when you spend ₹10,000 in a statement cycle. Below are more such benefits offered by this card:

Railway Lounge Access: Enjoy 8 complimentary railway lounge visits every year for a more comfortable and relaxed travel experience.
Fuel Savings Benefit: Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with savings capped at ₹100.
Device Protection: Receive complimentary insurance and extended warranty on mobile phones and electronic purchases made using your credit card.
Contactless Payments: Make fast and secure payments up to ₹5,000 without entering a PIN by simply tapping your card or device.
Easy EMI Option: Convert purchases above ₹2,000 into EMIs with zero processing fee for flexible and convenient repayment options.
Fraud Protection Cover: Get zero liability on fraudulent transactions after reporting a loss, along with protection against skimming and online fraud.

Railway Lounge Access Details and Services

The Altura Card provides access to selected railway lounges with simple entry steps and useful travel facilities. You can relax for up to 2 hours with comfortable seating, enjoy tea or coffee with a buffet meal, and use free Wi-Fi, newspapers, and magazines.

How to Access the Lounge?

Present your active AU Credit Card along with a valid train ticket at the lounge entrance.
A ₹2 non-refundable charge is applied for card validation.
Entry is granted after successful verification, while guests are charged separately.

Note: Additional services at the railway lounge may be chargeable. Children below 3 years can enter for free, but food and services may be billed separately.

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AU Altura Credit Card Fees and Charges

You can withdraw cash up to 40% of your total credit card limit. Cash withdrawals attract a charge of 2.5% of the amount or ₹500, whichever is higher.

The table below shows other important charges you should know:

Parameters	Charges
Finance Charges	3.75% monthly or 45% annually
Payment Return Charges	2%, or min. ₹500
Overlimit Charges	2.5%, or min. ₹500
Duplicate Statement Fee	₹100
Outstation Cheque Processing Charges	₹25
Card Transfer Charges	₹199+GST
Reward Redemption Fees	₹99+GST
Late Payment Charges	15% of the due amount.Min. ₹10 and max. ₹1,300

💡There are numerous charges linked to credit cards, so avoid adding late payment fees to the list. Use the Pice App to pay your credit card bills on time by getting monthly reminders. Make secure payments and track every bill easily from one simple dashboard.

Footnotes

The AU Altura Credit Card annual fee is waived in the 1st year on spending of ₹10,000 within 90 days, and from the 2nd year on annual spending of ₹40,000.
Cashback benefits are capped at a maximum of ₹50 per statement cycle across all eligible transactions.
The Altura Credit Card has a higher variant called the AU Altura+ Credit Card, which has a joining and annual fee of ₹499+GST per year.

FAQs

What are the eligibility criteria for an Altura Credit Card?

AU Altura Credit Card application eligibility requires you to be an Indian resident. Salaried applicants must be 21–60 years old, while self-employed applicants should be 25–65 years old. Add-on cardholders must be above 18.

What are the key features of Instant EMI?

Instant EMI lets you convert purchases into EMIs with flexible tenures of 3 to 24 months. A processing fee of ₹199+GST applies, and you can select EMI at checkout or store.

What are the key timelines for the insurance claim process?

You must report the claim within 30 days and submit documents within 60 days. The card must be active with at least one transaction in the last 180 days.

What are the important limits under the card protection cover?

Cash in transit is covered only within 6 hours of withdrawal. Purchase protection remains valid for 90 days from the purchase date, subject to policy conditions.

How can I set credit card limits easily?

Open the AU 0101 app and select your credit card section. Go to manage limits, adjust usage settings for channels like online, POS, or ATM, and confirm securely using MPIN.